520 Bluff St, Waukegan, IL 60085 Property Records

Lake County property record for 520 Bluff St, Waukegan, IL 60085

Property Summary

Property Type	Single Family Home
Details	8 bd · 4 ba · 3,404 sqft · built 1950
Lot Size	0.407 acres (17,725 sqft)
Owner	2 Individual Names on File
Last Sale	$213,000 (Oct 1999)
Tax Bill	$9,257 (2024)
Deeds & Mortgages	May 2022 Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-21-323-010`

Property Details

APN / Parcel Number

Primary APN	`08-21-323-010`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Stories	1 Story
Building Area	3,404 sqft Living Area
Gross Area	6,808 sqft
1st Floor Area	3,404 sqft
Basement Area	3,404 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Multi-Family
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	17,725 sqft (0.407 acres)
Parking Spaces	1 Parking Space
Deck Area	144 sqft
Patio Area	384 sqft
Greenhouse	192 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	520 BLUFF ST
City	WAUKEGAN
State	IL
Zip	60085-0700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORANS SUB LOTS 1 THRU 4
Legal Subdivision	MORANS SUB
Legal Lot Number	1-4
Jurisdiction	LAKE IL
Township / Civil Division	WAUKEGAN
Census Block Group	1
Census Block	1010
Census Tract	862402

Owner

520 Bluff St is owned and occupied by two individuals who bought it in October 1999.

Source: Lake County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	520 BLUFF ST, WAUKEGAN, IL 60085-0700
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Jun 13, 2018	Deed of Trust, Mortgage BAXTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 1999 · Amount on File
Deed Sale	Oct 29, 1999 · Amount on File
Prior Sale	Jan 6, 1997 · Amount on File
Deed Document Number	19994442881
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	520 BLUFF ST, WAUKEGAN, IL 60085-0700
Transaction Type	Mortgage
Record Updated	Apr 25, 2024
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007907941
Date	May 31, 2022
Instrument	7907941

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.7%
Index	Other
Margin	3
Max Rate	10.7%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	524 BLUFF ST, WAUKEGAN, IL 60085
Document Number	0007492342
Instrument Date	Jun 13, 2018
Transaction Type	Mortgage
Record Updated	Jul 9, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	524 BLUFF ST WAUKEGAN IL 60085, WAUKEGAN, IL 60085

Mortgage

Document Number	0007492342
Date	Jun 20, 2018
Instrument	7492342

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2048

Tax Assessment & Valuation

Source: Lake County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Waukegan Township
Municipality	Waukegan City
Unified School District	Waukegan Community Unit School District 60 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$114,575 Land $18,409 Building $96,166	$343,760 Land $55,233 Building $288,527
2024	$9,257.00 (+28.14%)
2023	$7,224.00 (+17.18%)	$91,359 (+7.6%) Land $14,679 Building $76,680	$274,104 (+7.6%) Land $44,041 Building $230,063
2022	$6,165.00	$84,903 Land $15,001 Building $69,902	$254,735 Land $45,008 Building $209,727

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 520 Bluff St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 20, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 520 Bluff St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WAUKEGAN serves 87,149 people · EPA ID IL0971900
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	10 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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